Welcome to Finyra Solutions. These Terms of Service ("Terms") govern your access to and use of our website, applications and financial advisory services. By accessing or using our platform, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our services.
Nature of Services
Finyra Solutions. acts exclusively as a financial aggregator, distributor and advisory firm. We partner with Reserve Bank of India (RBI) regulated Banks, Non-Banking Financial Companies (NBFCs) and Insurance Providers.
Not a Lender
Finyra Solutions does not lend its own capital, underwrite loans or issue credit cards directly.
Third-Party Discretion
Financial-product approval, credit limits, interest rates and insurance policy issuance remain at the discretion of the relevant partner institution.
No Guarantee
We do not guarantee approval of any financial-product application submitted through the platform.
User Obligations & Accuracy of Information
By using our services to apply for a financial product, you agree to the following obligations:
You must be an Indian citizen or a legally registered corporate entity in India, and at least 18 years of age.
All information, financial data and KYC documents you provide must be true, accurate, current and complete.
Providing false, forged or misleading documents constitutes financial fraud. Finyra Solutions reserves the right to report such instances to banking partners and relevant law-enforcement authorities.
You agree to promptly cooperate with requests for additional documentation required by partner institutions during the underwriting process.
Consent to Access Credit Information
By submitting an inquiry or application through Finyra Solutions, you grant Finyra and its partner Banks/NBFCs explicit consent to access your credit report and credit score from Credit Information Companies such as CIBIL, Experian, Equifax or CRIF High Mark for the purpose of evaluating eligibility for requested financial products.
The consent described in this section is for eligibility evaluation of requested financial products.
Fees and Charges
Finyra Solutions states that it follows a Zero Upfront Fee policy for standard retail loan and credit-card processing. The company does not charge customers for "file logging" or basic advisory under this model.
Revenue for standard distribution services is generated through legitimate distribution payouts or commissions from institutional partners upon successful disbursal of a loan or issuance of a card, as stated in the source Terms.
Exceptions exist only for highly complex corporate financial structuring or specialized advisory mandates where a professional fee is explicitly agreed in writing through a formal engagement letter before services commence.
Intellectual Property
All content on this website, including text, graphics, logos, button icons, images and software, is the property of Finyra Solutions or its content suppliers and is protected by Indian and international copyright laws.
Third-Party Links
Our website may contain links to third-party websites or services, including banking portals and payment gateways, that are not owned or controlled by Finyra Solutions.
We have no control over, and assume no responsibility for, the content, privacy policies or practices of third-party websites. You access those sites at your own risk.
Read the Regulatory Disclaimer ↗Limitation of Liability
To the maximum extent permitted by applicable law, Finyra Solutions, its directors, employees and agents shall not be liable for direct, indirect, incidental, special, consequential or punitive damages, including financial loss, lost profits or data loss, resulting from:
Your access to or use of, or inability to access or use, the platform.
Rejection of your loan or credit-card application by a partner institution.
Changes in interest rates or policy terms made by a partner institution after disbursal.
Unauthorized access to secure servers and/or personal information stored there.
Governing Law & Jurisdiction
These Terms are governed and construed in accordance with the laws of India, without regard to conflict-of-law provisions. Any dispute arising out of or in connection with these Terms or the use of our services shall be subject to the exclusive jurisdiction of the competent courts located in the city of our Corporate Office.
Modifications to Terms
We reserve the right to modify or replace these Terms at any time. Revised Terms will be posted on this page with an updated "Last Updated" date.
Your continued use of the platform following publication of revised Terms constitutes acceptance of those changes, as stated in the source Terms.
Contact Us
If you have questions or concerns about these Terms of Service, please contact the Finyra Solutions Grievance Officer through the official contact details below.